HUB International vs 
The Hartford: How Do They Compare for Tech E&O Insurance?
The Hartford offers its own FailSafe tech E&O with a rough cost of $500 to $1,000 per employee a year; HUB International instead puts a broker on your account to shape the policy around size, location and limits.
The Hartford writes FailSafe Tech E&O itself, with IP, media, security and privacy liability built in, at a typical $500 to $1,000 per employee a year; HUB is a broker insuring more than 5,000 tech companies that can arrange prior-acts cover and a tail when you switch insurers. 3,1,2
What Are the Key Differences Between HUB International and The Hartford Tech E&O Insurance?
Named IP and Media Cover vs Continuity When You Switch
The Hartford underwrites FailSafe and lists errors-and-omissions, security, data-privacy and network-security, personal-injury, intellectual-property and media liability, with cyberattacks and leaks on a separate cyber product. HUB brokers technology E&O with outside insurers it doesn’t name; its E&O page covers defense, judgments, settlements and fines, with optional prior-acts cover back to a retroactive date and a tail for late-reported claims. Choose The Hartford if you want IP and media claims covered by name and a budget figure up front; choose HUB if you are replacing an existing policy and need your past work kept covered. 3 1
Published Price vs Custom Quote
The Hartford reports a typical cost of about $500 to $1,000 per employee a year, so a 20-person software firm can expect roughly $10,000 to $20,000. HUB publishes no pricing; it customizes by size, industry, location, risk and desired limits. 3 1
Hardware and Telecom Named vs 5,000 Tech Clients
The Hartford names software and IT specialists, hardware and electronics manufacturers, and telecom providers. HUB says it insures more than 5,000 technology companies, from startups to established software, hardware and digital-media businesses. 3 2
What Should You Confirm in HUB International and The Hartford Tech E&O Insurance Quotes?
- Ask HUB which insurer it would use and whether that form covers IP and media claims like FailSafe. 1 3
- Ask The Hartford whether you also need its separate cyber policy, or whether HUB can package cyber with E&O. 3 2
- Ask both about prior-acts cover and a tail if you are switching insurers. 1 3
- Get premium, limits and retentions in writing; The Hartford’s per-employee range is not a quote. 3 1
HUB International vs The Hartford Tech E&O Insurance Compared
HUB International vs The Hartford: Tech E&O Insurance: documented features by provider
| Criteria | HUB International Technology Errors and Omissions Insurance | The Hartford FailSafe Technology Errors and Omissions Insurance |
|---|---|---|
| Who It’s For | HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. 2Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program. | The Hartford names buyer types for Tech E&O: software and IT specialists (custom/packaged software developers, website designers, computer consultants, systems integrators, federal IT contractors), hardware and electronics manufacturers, and telecommunications providers (local/long-distance carriers, internet/application service providers, website hosting). 3Company-reported. Technology E&O product page as read 2026-09-23. |
| Coverage Features | HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. 1Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry. | The Hartford lists FailSafe Technology E&O coverage features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. It distinguishes this from its separate cyber liability coverage, which addresses cyberattacks and data leaks specifically rather than broader product/service failures. 3Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Role in This Line | HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. 1,2Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer. | The Hartford's FailSafe Technology Liability Product Suite is its technology errors and omissions (E&O) product, aimed at technology companies whose products or services can cause a customer's pure financial loss that traditional liability policies usually don't cover. 3Company-reported. Technology E&O product page as read 2026-09-23. |
